Call reports 2010
CITIZENS STATE BANK — 2010
What CITIZENS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 10,568,000 | 9,771,000 | 10,165,000 | 10,297,000 |
| Total loans | 6,384,000 | 6,881,000 | 5,931,000 | 5,718,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 148,000 | 140,000 | 128,000 | 118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,866,000 | 9,028,000 | 9,375,000 | 9,491,000 |
| Interest-bearing deposits | 7,650,000 | 6,933,000 | 7,248,000 | 7,328,000 |
| Noninterest-bearing deposits | 2,216,000 | 2,095,000 | 2,127,000 | 2,163,000 |
| Equity capital | 683,000 | 729,000 | 777,000 | 795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 124,000 | 254,000 | 383,000 | 493,000 |
| Interest expense | 18,000 | 34,000 | 50,000 | 64,000 |
| Net interest income | 106,000 | 220,000 | 333,000 | 429,000 |
| Noninterest income | 4,000 | 8,000 | 11,000 | 15,000 |
| Noninterest expense | 66,000 | 134,000 | 197,000 | 272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 94,000 | 147,000 | 172,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 42,000 | 90,000 | 141,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 683,000 | 729,000 | 777,000 | 795,000 |
| Total capital | 738,000 | 784,000 | 831,000 | 848,000 |
| Risk-weighted assets | 4,362,000 | 4,354,000 | 4,294,000 | 4,172,000 |